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You are here: Home / Archives for Expert Advice

Start Your Emergency Fund Now!

by Kathy T.

If you don’t already have an emergency fund put away, I urge you to do it as soon as you can. You never know when you’ll need an extra hundred dollars or so. Speeding tickets, doctor visits, car repairs, surprise fees- anything can (and will) spring up. Most experts recommend opening a separate savings account strictly for emergencies and keeping at least $1,000 in it. For tips on how to start up your own emergency fund, check out this post by Kristina at Cents and Order:

-Consider keeping your emergency fund at a different bank so you’re less likely to access it.

-Use a liquid account so you are not charged penalties to access it quickly.

-However, if having a penalty attached to the account is a deterrent from spending your emergency fund, then a certificate of deposit or time savings account may work better for you.

Photo Credit: Michael Gil 

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Bankrupt? Foreclosed? Life Goes On.

by Kathy T.

Hitting financial rock bottom is rough. My family went through it when I was in high school after my dad lost his job during the recession. Be it bankruptcy, foreclosure, or short sale- it can be extremely challenging. You may feel like you have failed, and that it’s the end of the world- but I promise you, it’s not. Life goes on! There is a lot of red tape to struggle with, but you can still get a mortgage. And, eventually, it will be taken off your credit score. For more info on waiting periods and moving on with life after a foreclosure or other financial hardship, check out this article by Gene Mundt at Chicagoland Mortgage. It has all the up-to-date legal info that you need!

Photo Credit: Ventura Bankruptcy Attorney 

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Don’t (Over)Do It! Home Improvements That Will Cost You

by Kathy T.

First of all, if you are doing home improvements just because they make you happy and you want them, go right ahead. Living in your home and don’t plan to ever move? Install a water slide from your top floor to your swimming pool. Drill holes all over the walls. Cut out trap doors between rooms. Paint every room a different neon color. Spend millions on intricate landscaping and fountains. If you have the money, go crazy! But, if you are doing home improvements simply to add value to your home…some of those options might not pay off. Ok, all of them are terrible ideas. Most of the time, bigger (more expensive) is not always better. For the home improvements that will actually cost you in the long run, check out this post by Lindsey Schroeder at House Hunt:

-Swimming pools-  Experts across the real estate industry agree that pools almost never add to a home’s value, and sometimes they actually decrease home prices.

-Go with minor improvements over upscale remodels every time- It’s always a good idea to remodel a room that hasn’t seen attention in decades-add some new carpet and fresh paint. Research suggests, however, that you’ll lose big on additions and high-end remodels.

-Don’t overdo the landscaping- A minor amount of landscaping is one of the best ways to increase your home’s value, especially if it adds a touch of much-needed curb appeal.

Photo Credit: Prayitno 

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The Worst Apps For Smartphones?

by Ron Hogan Leave a Comment

Everyone wants the best of everything, especially if it’s free.  When it comes to smartphone apps, most people will take a free good app over a paid great app, if only because dollars still have values.  Even if it’s only a few dollars, we want to save what we’ve earned, and most apps just aren’t worth it.  Some apps really aren’t worth it.  Indeed, there are a ton of apps and no real way to pick through them.  That’s where experts come in.  Are these some of the worst apps out there?  CNN seems to think so!

My favorite app of the bunch is probably the Be Kimd app, which you see above.  All it does is dim the screen of your smartphone.  Useful, yes, but there are already ways to do that using your phone’s current settings!  I guess if you don’t know how to use your phone that might be helpful, but the usefulness of that app is very limited in day-to-day situations.

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Writing Disclaimers

by Kathy T.

Blogging is such a weird field of writing. You’re writing about your life, to entertain or educate other people. It’s kind of a mix of journaling and nonfiction, and it also comes with all types of new things you’ll need to learn to write: About mes, comments, sponsored posts, and, you guessed it, disclaimers. And there are very precise ways to how they need to be done. I’ve been feeling under the weather lately (I went to the doctor today and found out I have a really bad sinus infection- yay!). Before I did that, I was desperate to clear up some congestion (and I’ve gotten on a bad “homemade soap” phase lately), so I tried these decongestant shower tablets by Heather Smith at Our Kids Mom. The discs worked great, and the steamy shower did wonders. However, I was also really impressed with her disclaimer- she stated that the vapor rub can make your shower very slippery, and that the article was for entertainment purposes only. What a great way to keep yourself covered! And unless you are a doctor giving medical advice, you need a disclaimer as well! For tips on writing your own disclaimer, check out this post by Nienke Krook at The Travel Tester.

Photo Credit: Nicolas Raymond

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How To Take Better Photos For Your Blog

by Kathy T.

I am a terrible photographer. My mom has such an eye for it, so I have no idea how all my pictures end up blurry, unflattering, badly lighted, and just…terrible. That’s why I get most of my blog photos from creative commons sites like Flickr, Free Clipart, and the Creative Commons search engine. However, every once in a while, I just can’t find what I want. I also love crocheting, and will post (bad) pictures of things I’ve made. And, with blogs, it’s so important to post great pictures to get views. So, that’s why I was excited to find this post by Jennifer at Memory Journalists. It has links to 31 articles about taking better blog photos. Reading the entire thing was almost like getting a free online course on photography! Check out some of the lessons:

–Day 3: What is depth of field? 

–Day 4: What is shutter speed? 

–Day 9: Use details to enhance your story. 

–Day 10: Rule of Thirds 

-Day 21: Using Symmetry 

Photo Credit: Nikita Kravchuk 

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Saving Money By Winterizing Your Home

by Kathy T.

Well, winter is officially here. And last winter, I had an electricity bill that was DOUBLE my monthly average– which is completely unacceptable. But, before those dreaded winter electricity bills come rolling in, you can prevent them! There are plenty of ways to lock down your home, get it ready for the cold, and save big. Check out this post by Teresa Mears at Yahoo Homes for home improvements that will keep you warm and toasty:

-Caulk around windows and doors, seal up all holes

-Put rugs down on non-carpeted floors

-Cover holes around electric outlets

-Add insulation in attic, crawl space, and basement

-Put a blanket around the water heater

Photo Credit: Bill Smith 03303 

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Common Parenting Phrases… That You Should Stop Saying

by Kathy T.

Everyone knows that you shouldn’t curse around your kids, because they pick it up! You also shouldn’t say anything that will damage their self esteem, or scar them for life. Most people are aware of this. However, there are other phrases that EVERY parent says (me included) that are actually harmful as well– some are very surprising! No, your kid won’t be emotionally ruined if you use them, but alternative ways of wording things are sometimes much better. Check out this article by Michelle Crouch at Parenting.com for the phrases:

-“You’re okay.”- Try giving him a hug and acknowledging what he’s feeling by saying something like, “That was a scary fall.” Then ask whether he’d like a bandage or a kiss (or both).

-“I’m on a diet.”- Watching your weight? Keep it to yourself. If your child sees you stepping on the scale every day and hears you talk about being “fat,” she may develop an unhealthy body image. Instead, encourage healthy eating habits and how fun exercise is!

-“Be careful.”- Saying this while your child is balancing on the monkey bars at the playground actually makes it more likely that he’ll fall. “Your words distract him from what he’s doing, so he loses focus,”

-“Don’t talk to strangers.” Since the vast majority of child-abduction cases involve someone a kid already knows, you might also adopt McBride’s favorite safety mantra: “If anyone makes you feel sad, scared, or confused, you need to tell me right away.”

Photo Credit: Ian D. Keating 

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Strong Housing Market For 2015?

by Kathy T.

According to this post by Mark Edwards at Active Rain, economists are now predicting a secure and robust year for the housing market next year. Since the 2008 collapse, the market has steadily been gaining momentum. As of 2014, the market has been great for the few sellers that are willing to take the risk. Demand is way up, and supply is down- and experts have forecast an even stronger market next year. Check out the full post for more info:

An improving economy, low mortgage rates, larger household formations, and pent-up demand will help increase single family home production in 2015, according to economists who participated in the NAHB Fall Construction Forecast Webinar last month.

Photo Credit: Spirit Fire

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A Dyslexia-Friendly Font

by Ron Hogan Leave a Comment

I don’t have dyslexia, which is fortunate for me since my main leisure and employment activities involve writing, reading, or otherwise using letters on pages.  I do routinely get numbers muddled up, turned around, or otherwise out of order, but that’s probably just my cluttered brain and not a real medical condition.  For those that suffer from dyslexia, there may be something to help you on the horizon.  A font called Dyslexie Regular is helping folks with dyslexia improve their reading and comprehension.

“Traditional fonts are designed solely from an aesthetic point of view, which means they often have characteristics that make characters difficult to recognize for people with dyslexia,” writes font creator Christian Boer on his website. “Oftentimes, the letters of a word are confused, turned around or jumbled up because they look too similar.”

Studies conducted by the University of Twente and the University of Amsterdam have verified claims that Dyslexie helps those with reading issues improve their comprehension and retention.  Even more worthy, the font itself is free to download for home use at DyslexieFont.com.

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